When SR22 Insurance Is Canceled: What Drivers Should Know

In the majority of states, if you operate a vehicle — the vehicle must be insured. However, for people who require SR22 coverage, the stakes are even higher. Not only is traditional coverage necessary, but given the risk of the driver, the SR22 certification on the policy must not lapse, or the driver could face serious consequences. Learn about some of the circumstances in which this policy certification could be canceled, and what to do if it happens.


One of the more common reasons for the cancellation of an SR22 coverage component is a lack of payment. Depending on the configuration of your auto insurance policy, you are required to pay your policy premium once a month or every six months. Whatever the configuration, it's essential you make the payments on time.

While some policies might offer a grace period, there are some policies that will automatically cancel at the close of business on the day the payment is due, if it's not made. Ensure you pay on time, or early if you can.

Inaccurate Information

If you add the SR22 certification to a new auto insurance policy, you will be required to provide some detailed information about your driving habits, including previous accidents, claims, and violations. While this information is typically voluntary, insurance companies will always verify the data as part of your policy setup.

If you fail to provide accurate information, such as not providing information about a previous accident, the insurance company can cancel the entire policy, including the SR22 certification as a result of inaccurate information. Always be forthcoming with the data you provide. 

Take Action Now

In the event your SR22 certification is canceled, it's vital you take action right away. By law, the insurance company that is providing this certification is required to notify the state that your policy was canceled. Once the state receives this information, they can begin the process of revoking your license, with or without contacting you. 

In this scenario, the first thing you want to do is contact the insurance company. In some instances, such as a late payment, if you make the payment right away, the insurance company will reinstate your certification before sending a notification to the state. The best thing for you to do is to contact the insurance company as soon as possible to see how you can resolve the problem.

It's imperative that you stay abreast of any changes to your policy, as a failure to do so could lead to extensive fines. Make certain you follow your SR22 insurance policy closely for any important changes.